BlastPoint's Banking Scorecard

Stafford Savings Bank

$100M-$1B Specialty: Other CT FDIC cert 18227

Designations: ✓ Mutual

Stafford Springs, CT

3 branches across CT

2664 banks in the $100M-$1B peer group nationally 12 in CT

Stafford Savings Bank has 3 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Profitability Leader: Top 1.7% in tier
+ Efficiency Ratio 14.10% below tier average
+ Delinquency Rate 0.67% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 48.7% in tier
- Net Interest Margin 1.59% below tier average
- Non-Interest-Bearing Deposit Share 16.46% below tier average

Get updates when Stafford Savings Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
Total Assets ?	$507.6M +17.7% YoY +6.8% QoQ	+$121.6M	$386.1M +0.5% YoY	$4.6B +6.9% YoY	$6.2B +9.1% YoY	73%
Total Loans ?	$65.2M +1.7% YoY -1.3% QoQ	-$190.5M	$255.7M +1.1% YoY	$3.2B +8.3% YoY	$3.2B +10.8% YoY	Bottom 6.0% in tier
Total Deposits ?	$225.7M +22.4% YoY +14.8% QoQ	-$102.2M	$328.0M +0.1% YoY	$3.7B +5.9% YoY	$4.8B +8.2% YoY	40%
Return on Assets ?	2.50% +120.6% YoY -54.6% QoQ	+1.23%	1.27% +12.9% YoY	0.98% +59.4% YoY	1.23% +13.4% YoY	Top 4.5% in tier
Net Interest Margin ?	2.34% -4.7% YoY -5.4% QoQ	-1.59%	3.93% +6.0% YoY	3.30% +11.1% YoY	3.89% +5.7% YoY	Bottom 2.2% in tier
Efficiency Ratio ?	51.19% +0.2% YoY -4.8% QoQ	-14.10%	65.29% -4.5% YoY	74.04% -0.3% YoY	66.95% -4.1% YoY	82%
Delinquency Rate ?	0.22% -35.5% YoY -44.4% QoQ	-0.67%	0.89% +18.8% YoY	0.76% +15.1% YoY	0.95% +18.8% YoY	63%
Loan-to-Deposit Ratio ?	28.90% -16.9% YoY -14.0% QoQ	-47.74%	76.64% +0.8% YoY	87.65% +0.6% YoY	76.70% +0.9% YoY	Top 1.6% in tier
Non-Interest-Bearing Deposit Share ?	5.56% -14.7% YoY -23.8% QoQ	-16.46%	22.02% -1.0% YoY	20.48% -2.9% YoY	22.01% -1.2% YoY	Bottom 4.2% in tier
Nonperforming Asset Ratio ?	0.03% -44.3% YoY -48.6% QoQ	-0.61%	0.64% +19.7% YoY	0.54% +14.2% YoY	0.67% +19.3% YoY	82%
Tier 1 Capital Ratio ?	32.53% -0.4% YoY +0.9% QoQ	+16.70%	15.83% +1.5% YoY	15.66% +1.9% YoY	17.06% +0.8% YoY	Top 3.0% in tier
Non-Interest Income / Assets ?	0.04% -5.6% YoY -72.9% QoQ	-0.24%	0.28% +9.3% YoY	0.74% +3.6% YoY	0.32% +4.1% YoY	16%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Profitability Leader

growth

#12 of 666 • Top 1.7% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.50%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (1)

Liquidity Overhang

risk

#361 of 739 • Bottom 48.7% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 32.53%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 28.90%

(Tier: 76.64%, National: 76.70%)

better than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (5 metrics)

Loan-to-Deposit Ratio

liquidity

Value: 28.90%

Peer Median: 76.64%

#44 of 2664 Top 1.6% in $100M-$1B

Tier 1 Capital Ratio

capital

Value: 32.53%

Peer Median: 15.83%

#80 of 2664 Top 3.0% in $100M-$1B

122

Return on Assets

profitability

Value: 2.50%

Peer Median: 1.27%

#122 of 2664 Top 4.5% in $100M-$1B

482

Efficiency Ratio

profitability

Value: 51.19%

Peer Median: 65.29%

#482 of 2664 Top 18.1% in $100M-$1B

488

Nonperforming Asset Ratio

credit_quality

Value: 0.03%

Peer Median: 0.64%

#488 of 2664 Top 18.3% in $100M-$1B

Top Weaknesses (4 metrics)

2606

Net Interest Margin

profitability

Value: 2.34%

Peer Median: 3.93%

#2606 of 2664 Bottom 2.2% in $100M-$1B

2554

Non-Interest-Bearing Deposit Share

funding

Value: 5.56%

Peer Median: 22.02%

#2554 of 2664 Bottom 4.2% in $100M-$1B

2504

Total Loans

size

Value: $65.24M

Peer Median: $255.72M

#2504 of 2664 Bottom 6.0% in $100M-$1B

2236

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.28%

#2236 of 2664 Bottom 16.1% in $100M-$1B